Hi Myfico Peeps!
As you all know, I think I pretty much gave up on gardening haha. Recently I was sent a reward mailer from Wyndham Hotels for a Visa card. I applied and was denied. I should have came here to see it was a Barclay card, as they don't like me. I was just denied for there Uber Visa about a month ago. I thought since Wyndham isn't a HUGE hotel brand, offering lower cost hotels I would have a chance. Well, they said the same thing that they did with the Uber card. They said you have too many inquries and new accounts, go figure lol. I did try to recon but they said, "no we need to see some time with what you have" So with that and NFCU saying the same thing pretty much, I started to garden.
Well fast forward to last night, I was on Amex site and seen the Delta Blue Rewards. I remember applying for the Delta Gold and was denied about 4 months ago because of derogs/collections, that have since been removed. I came to the board wanting to learn if it is easier to get the Blue vs the Gold. Also the Blue has no AF and the min is lower. I found good info and said even though I didn't get a preapproval, I will apply. I told myself that if I was denied for the same reasons as Barclay and NFCU and etc, then I would seriously go into gardening for at least 6 months min no exceptions! I was really worried because it was no prequal for me. I hit the apply and it was instant approval with HP to EX with a SL of $1000.
I was excited because you all don't know how long I been wanting a travel card. I didn't want the best travel card, just a travel card that will help since I travel for work almost 2 times a month minimum. I noticed on the board and Ask Sebby that if approved, immediately apply for a 2nd card (Hilton Honors no AF) the same day. This will create only 1 hard inquiry with possible 2 card approval. The 2nd app went into review and currently says "In Process - Return to this site in 24 hours". I don't know if that is good or bad. I guess it is better than bad because it wasn't an instant denial like the Delta Gold card was 4 months ago. I hope I get it as it would be great to have my first 2 travel cards, but if I don't I am happy with the Delta Blue card and will grow it hopefully.
DP:
EX Fico 8 was 659, Fico 9 was 679.
1 collection from ATT from 2012
UTI 18%,
Inq 24 in 2 years, Inq 18 in 6 months.
New accounts in last 6 months 11
I promise I am done and going into gardening now. I have a travel card I want and can use and get points and I am super happy. No need to apply as all the cards I was applying for were travel cards. I still find it odd Cap one said no to a Venture card, and i ahve 7 years positive history with them over 2 cards and an auto loan but Amex said sure, and i have no experience with them other than a Amex branded USAA classic card lol. Okay I am done talking now, I am going back to work lol.
Oh PS. Since I opened this card, and possible another card, I closed Avant $300 limit and Indigo $300 limit. If I get approved for the Hilton Honors, I will close the First Premier $700 limit card. Effectively removing all super crappy AF cards. Only AF card I will have is the Quick Silver One, and I will try to PC soon as I can to no AF version or a savor.
